What is a four point inspection?

A four point inspection is a type of home inspection typically required by insurance companies before they will issue a policy on an older home (usually 20 years or older). The inspection focuses on four main areas of the home: the roof, electrical system, plumbing system, and HVAC (heating, ventilation, and air conditioning) system.

During a four point inspection, a certified inspector will evaluate the age, condition, and functionality of these key components of the home to assess the level of risk they pose. The purpose of the inspection is to identify any potential issues or hazards that could increase the likelihood of an insurance claim, such as outdated wiring, leaky plumbing, or a deteriorating roof.

The results of a four point inspection can impact the cost of insurance coverage for the home, as insurers may require repairs or upgrades to mitigate risk before issuing a policy. It is important for homeowners to address any deficiencies identified during the inspection to ensure that their home is safe and insurable.